TFS cannot compete with other lenders ATM and we had a few meetings with TFS reps about it but again this is regional. WF or Credit Union. Pen Fed was a bitch to fight along with USAA and DCU
Spent the last year in Finance and although this is blasphemy...
Wells Fargo sends all of their callbacks with 2% built in and are usually low as hell
Aside from that your best bet is to go with a credit union
Mine is the same way and I sometimes scare myself switching to XM when I forget about the difference. As far as I can tell it's just how it is but maybe I missed a setting somewhere..